{
 "snapshot_at": "2026-10-02T09:49:46Z",
 "brand": "Bendigo Bank",
 "brand_slug": "bendigo-bank",
 "product_id": "4ed9b9eb-62e7-4fdb-b716-d56b690ca2c4",
 "cdr_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/4ed9b9eb-62e7-4fdb-b716-d56b690ca2c4",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/4ed9b9eb-62e7-4fdb-b716-d56b690ca2c4'",
 "note": "Verbatim copy of the bank's Consumer Data Right product detail response as fetched by Deep Almanac. The live endpoint requires the x-v header shown. snapshot_at is when this version of the record was first fetched; the file is rewritten only when the bank's data changes.",
 "data": {
  "lastUpdated": "2026-07-09T05:50:10.917Z",
  "productCategory": "TERM_DEPOSITS",
  "name": "Gold Term Deposit",
  "description": "A Bendigo Gold Term Deposit Account is a deposit account that allows a retail client to deposit $2,000 or more into it for \na 12 month investment period with interest payable every 3 months at an agreed rate. Funds can be reinvested or \nwithdrawn, however any withdrawal greater than 25% of the value of the initial deposit requires the client to provide \nnotice. Funds released early may attract a reduced interest rate. ",
  "productId": "4ed9b9eb-62e7-4fdb-b716-d56b690ca2c4",
  "brandName": "Bendigo Bank",
  "applicationUri": "https://www.bendigobank.com.au/personal/term-deposits/term-deposit-enquiry/",
  "isTailored": false,
  "bundles": [],
  "cardArt": [],
  "features": [
   {
    "featureType": "DIGITAL_BANKING",
    "additionalInfo": "*Existing customers only "
   }
  ],
  "constraints": [
   {
    "constraintType": "OPENING_BALANCE",
    "additionalInfo": "*Minimum to Open",
    "additionalValue": "2000.00"
   },
   {
    "constraintType": "MIN_BALANCE",
    "additionalInfo": "*Minimum Balance to Maintain",
    "additionalValue": "1.00"
   }
  ],
  "eligibility": [],
  "lendingRates": [],
  "fees": [
   {
    "name": "Bank Cheque Withdrawal",
    "feeType": "TRANSACTION",
    "feeMethodUType": "fixedAmount",
    "discounts": [],
    "fixedAmount": {
     "amount": "10.000000"
    }
   },
   {
    "name": "EFT Credit Transfer",
    "feeType": "TRANSACTION",
    "feeMethodUType": "fixedAmount",
    "discounts": [],
    "fixedAmount": {
     "amount": "4.000000"
    }
   }
  ],
  "depositRates": [
   {
    "depositRateType": "FIXED",
    "rate": "0.0005000000000000",
    "calculationFrequency": "P1D",
    "applicationFrequency": "P3M",
    "additionalValue": "P1Y",
    "applicationType": "PERIODIC",
    "tiers": [
     {
      "name": "$0 - $1,999",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "0.0000000000000000",
      "maximumValue": "1999.9900000000000000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0005000000000000",
    "calculationFrequency": "P1D",
    "applicationFrequency": "P3M",
    "additionalValue": "P1Y",
    "applicationType": "PERIODIC",
    "tiers": [
     {
      "name": "$2000 - $5,000,000",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "2000.0000000000000000",
      "maximumValue": "5000000.0000000000000000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ]
   }
  ],
  "additionalInformation": {
   "overviewUri": "https://www.bendigobank.com.au/personal/term-deposits/",
   "termsUri": "https://www.bendigobank.com.au/disclosure-documents/",
   "eligibilityUri": "https://www.bendigobank.com.au/disclosure-documents/",
   "feesAndPricingUri": "https://www.bendigobank.com.au/disclosure-documents/"
  },
  "brand": "BENDIGO"
 }
}